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How long will it take to improve credit once I get debt free?

Date: Sat, 10/24/2009 - 09:05

Submitted by anonymous
on Sat, 10/24/2009 - 09:05

Posts: 202330 Credits: [Donate]

Total Replies: 3


When I went through a hard time financially a number of years ago I signed up for credit counseling. I've since paid off my debt - all on time for five years. When will my credit rating improve? Are there any steps I need to take to raise my score. I am debt free other than 150 on a credit card.


Have you considered credit repair? I am doing it right now for myself to get rid of a Deed In Lou and a Settled Account from my credit report. I can point you in the right direction, but I don't want to leave any links here since I am new to this forum and don't want to appear spammy. I believe there are other areas on this forum you can find more information on credit repair.

Credit repair does work and is legal.

Also, your problem may be that you don't have a credit history. Typically you should have 3 to 5 tradlines on your credit report. Tradelines should include a Visa and a Mastercard credit card. Since I haven't seen your credit report I have no idea exactly what is going on with your credit.


lrhall41

Submitted by Don Draper on Sat, 10/24/2009 - 09:34

( Posts: 2 | Credits: )


after 7 years all the old bad debt should be rid on your credit report. i would first get a report and be sure it is all accurate. and as the above mentioned you need some credit cards that report to the agencies regularly. and also keep a watchful eye on it as time goes on. you will need to carry atleast a small balance on each of them.


lrhall41

Submitted by love_my_things on Mon, 10/26/2009 - 10:31

( Posts: 1434 | Credits: )